by Daniel Brouse and Sidd Mukherjee The Multiplicative Climate Risk Formula The Multiplicative Climate Risk Formula is a real-estate climate-risk model designed to capture how multiple hazards and vulnerabilities can interact and compound rather than occur independently. The framework incorporates interconnected risks including sea-level rise, storm surge, extreme precipitation, flooding, hydroclimatic whiplash, wildfires, drought, extreme […]
Category Archives: Business
Global Real Estate Climate Risk: A Multiplicative Vulnerability Ranking
Also posted in Energy, Environment, Finance, Global Warming, International, Science
Tagged climate change, flood insurance, real estate
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Coupled Climate Feedbacks and Cascading Real Estate Risk
by Daniel Brouse and Sidd Mukherjee How Compound Flooding Is Reshaping Property Values, Insurance Availability, and Coastal Habitability Climate change is creating a new class of real-estate risk in which the physical hazards of flooding increasingly interact with financial, insurance, infrastructure, and housing systems. Sea-level rise, heavier precipitation, and more intense or slower-moving hurricanes are […]
Also posted in Energy, Environment, Finance, Global Warming, Science
Tagged climate change, economy, flood insurance, real estate
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High-Risk U.S. Real Estate Regions Under the Multiplicative Climate Risk Framework
by Daniel Brouse and Sidd Mukherjee The Multiplicative Climate Risk Formula The Multiplicative Climate Risk Formula is a real-estate climate-risk model designed to capture how multiple hazards and vulnerabilities can interact and compound rather than occur independently. The framework incorporates interconnected risks including sea-level rise, storm surge, extreme precipitation, flooding, hydroclimatic whiplash, wildfires, drought, extreme […]
Also posted in Environment, Finance, Global Warming, Science, weather
Tagged climate change, economy, flood insurance, real estate
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Americans Are Feeling the Heat—But Fewer Believe Climate Change Is Happening
by Daniel Brouse An AP-NORC poll reveals a deeply troubling contradiction in the American public’s understanding of climate change: Americans are increasingly experiencing the effects of extreme heat, yet fewer now believe climate change is actually happening. According to the poll, just 66% of Americans say climate change is happening, down sharply from 73% a […]
Also posted in Education, Energy, Environment, Global Warming, Government, health and wellness, Science, Security, Society, taxes, weather
Tagged climate change, economy
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Strategic Petroleum Reserve Falls to Lowest Level Since 1983
As of July 31, 2026, the U.S. Strategic Petroleum Reserve (SPR) held approximately 304.8 million barrels of crude oil, its lowest level since March 1983. From its historic peak of roughly 726 million barrels in 2009, the SPR has experienced a cumulative drawdown of approximately 421 million barrels—about a 58% reduction. The decline has been […]
Wildfire Catastrophe Bonds Surge as Insurers Transfer Record Climate Risk to Capital Markets
by Sidd Mukherjee and Daniel Brouse A New Era of Climate Risk Finance Wildfire-exposed catastrophe bond issuance has surged to $5.183 billion year-to-date in 2026, rapidly approaching the full-year record of $5.55 billion set in 2025. Driven by escalating wildfire losses, expanding climate risks, and increasingly sophisticated risk models, insurers are turning to global capital […]
Also posted in Energy, Environment, Finance, Global Warming, Science
Tagged climate change
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Climate Shock to the Food System
by Daniel Brouse How Extreme Heat, Drought, Disease, and Global Supply Disruptions Are Reshaping Agriculture and Raising Food Prices Introduction Climate change is increasingly affecting agriculture through multiple, interconnected pathways. Extreme heat, prolonged drought, erratic rainfall, declining water availability, wildfire, shifting pest and disease pressures, and disruptions to livestock production are converging to create a […]
Also posted in Agriculture, Environment, Global Warming, Science
Tagged climate change
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Climate Change Impacts and You: The Rising Cost of a Changing Climate
by Daniel Brouse Introduction Climate change is no longer simply a future environmental threat. It is increasingly affecting American households through higher costs, declining air quality, extreme heat, infrastructure disruptions, property damage, and changing patterns of disease. Although catastrophic floods, hurricanes, wildfires, and other disasters dominate the headlines, the most widespread climate impact may be […]
Also posted in Agriculture, Energy, Environment, Finance, Global Warming, Government, health and wellness, Science, Security, Society, taxes, weather
Tagged climate change, real estate
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Climate Change and the Global Insurance Crisis: Rising Losses, Retreating Insurers, and the Growing Protection Gap
by Daniel Brouse Climate change is fundamentally destabilizing insurance markets by driving increasingly severe financial losses, pushing premiums sharply higher, and causing insurers to reduce or withdraw coverage in some high-risk regions. As extreme weather events become more frequent and, in many cases, more intense, traditional underwriting models are being challenged by rapidly changing risk. […]
Also posted in Energy, Environment, Finance, Global Warming, Science
Tagged climate change, insurance, real estate
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Heat-Triggered Flash Droughts: The Rapid Intensification of Heat, Drought, and Wildfire Risk
by Daniel Brouse The Trend Flash droughts are one of the three fastest-accelerating climate extremes. The share of global land affected by heat-driven drought has expanded dramatically—from approximately 2.5% in the 1980s to 16.7% in recent years. The rate of increase has also accelerated, rising roughly eightfold since 2000. This shift is important because heat-triggered […]
Also posted in Agriculture, Energy, Environment, Global Warming, Science
Tagged climate change
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